Ever picked a fund based on a vibe—then watched your balance dip and felt your stomach drop? We unpack how to build a risk profile that survives real life, not just a tidy survey. With Elizabeth back on the mic, we get practical about matching your money to your time frame, your experiences, and your actual goals, so you can invest with calm instead of crossing your fingers.We start with the clock: when will you need the money? A one to two year goal cannot carry high-volatility assets without risking forced losses, while a twenty year horizon can ride through several market cycles. From there, we move beyond labels like “conservative” or “aggressive” and ask what you did during the last big drop—checked daily, tuned out, or felt unfazed. That lived experience often reveals more than any quiz. We stress-test with tangible numbers: if your KiwiSaver sits at $100k and falls 20%, does that trigger panic or patience? Your sleep-at-night threshold becomes a cornerstone of your asset mix.Then we add context most profiles miss: what percentage of your total wealth is this fund? Risk feels different when an account is 90% of a home deposit versus 20% of a diversified portfolio. We show how to split money by purpose and horizon—short-term buckets for stability, mid-term for measured risk, long-term for growth—so each dollar has a job and you’re not forced to sell at the worst time. Along the way, goals sharpen: what needs touching soon, what can sit untouched, and what you truly want compounding for decades.By the end, you’ll know how to align funds with your timeline, behaviour, and wealth picture. You’ll trade guesswork for a plan that you can hold through noise, sleep through volatility, and still reach the targets that matter. Enjoyed the conversation? Follow the show, share this episode with a friend who’s second-guessing their fund, and leave a quick review to tell us your sleep-at-night number.Send us a text Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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